All you need is an email or phone number
You don't need anyone's bank details. Enter how to reach them, the amount and a note. They choose mobile money, a bank account or stablecoins to receive it.
One person or a whole team, from the same balance.
USD
How it works
- 1
Enter who to pay
An email address, phone number or Payd username, plus the amount and a note.
- 2
We let them know
They get a message that you paid them. New to Payd? They open an account in minutes to collect it.
- 3
They pick how to get it
Mobile money, a bank account or USDT and USDC, in their own country.
- 4
Both of you get a receipt
The payment shows in your records, ready for your books.
Why teams pay this way
No bank details to collect
Skip the spreadsheets of account numbers and the mistakes that come with them.
They choose the channel
Each person gets paid the way that works for them.
Across borders
Pay people in Kenya, Nigeria, South Africa and the rest of our markets, or anywhere on stablecoins.
Verified people
Everyone on Payd verifies their identity before they can move money.
Save who you pay
Pay the same people again without typing their details.
Records for tax time
Every payment has a receipt and a record you can export.
What it costs
You pay the fee for the channel the person picks. Sending to a Payd username is free.
- To a Payd username
- Free
- To M-Pesa in Kenya
- from KES 20
- To a bank in Kenya
- from KES 80
- Other countries
- On the price list
Paying many people every month? Book a call and we'll go through the costs for your volumes.
Where your money can go
Local accounts in the US and Europe, mobile money and banks in 11 African countries, and stablecoins for the rest of the world.
United States
USD · ACH, Wire
Canada
USD · Wire
Europe
EUR · SEPA
Kenya
KES · M-Pesa, Airtel Money, Bank, Paybill and Till
Uganda
UGX · Mobile money, Bank
Tanzania
TZS · Mobile money, Bank
Nigeria
NGN · Bank
Ghana
GHS · Mobile money, Bank
South Africa
ZAR · Bank (EFT)
Zambia
ZMW · Mobile money, Bank
Malawi
MWK · Mobile money, Bank
Cameroon
XAF · Mobile money
Senegal
XOF · Mobile money
Togo
XOF · Mobile money
Everywhere else
Get paid in USDT or USDC.
Questions
What if the person doesn't have a Payd account?
Which currency do people receive?
Can I pay many people at once?
Who can use Payd Business?
Pay your first contractor with Payd
Book a call with our team, or create an account and start today.